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Free help & advice

At PayPlan, we work with many of the UK’s major banks who trust us to provide impartial, free debt advice. Thanks to our close working relationship with Royal Bank of Scotland, we’ve helped thousands of their customers to become debt-free.

Let’s make life more affordable

You’re just two steps away from taking back control of your finances and freeing up more money for you and your family.

No impact on your credit score.

Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement with the people you owe money to. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Management Plan?

A debt management plan (DMP) allows you to pay back your creditors each month at an amount you can afford. The DMP lasts until you have repaid your debts in full or your circumstances improve.

What is a Self-employed IVA?

A self-employed Individual Voluntary Arrangement (IVA) is an agreement to pay back what you owe whilst still running your business. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Relief Order?

A debt relief order is a solution available if you are not able to afford any payments to people you owe to. It freezes debts for a year at which time they are written off if your circumstances have not improved.

What is Bankruptcy?

Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts. There is an upfront fee and you may be required to make payments from your earnings into the bankruptcy for up to 3 years.
Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
100% secure & confidential

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What is everyone saying?

Joyce

I rely on DMP, they have been really helpful ,a very organised team and personal debt manager, always quick to respond to any question or query, ready to give advise…

J

Susan

Staff are extremely helpful and considerate and are prepared to listen not judge

S

Elizabeth

I have received excellent service re my debt plan

E

“If you suffer in silence, things will get worse!”

Kevin contacted us after falling into debt and he was struggling to find ways of affording the most basic of needs.